Free · Australian · No signup required

Your complete Australian
retirement planning suite

Three integrated calculators covering your full retirement journey — from building your super through to managing income in retirement.

Step 01● Live

Pre-Retirement
Projection Calculator

Build and optimise your super balance before retirement.

Project your superannuation from today to retirement with full modelling of employer SG, salary sacrifice, carry-forward cap, bring-forward rule, Monte Carlo simulation, and gap analysis.

  • ✓Salary growth & career phase modelling
  • ✓Carry-forward & bring-forward rules
  • ✓Div 293, Div 296, and co-contributions
  • ✓Monte Carlo fan chart with P10–P90 range
  • ✓On-track gap analysis & bridge assessment
← Results carry over from Step 01
Step 02● Live

Retirement Readiness
Calculator

Stress-test your drawdown plan across 1,000+ scenarios.

Model your retirement income with Monte Carlo simulation, Age Pension means testing, defined benefit pensions (PSS, CSS, MSBS), and eight formal stress tests. Accepts results directly from the Projection Calculator.

  • ✓Monte Carlo across 1,000–2,000 simulations
  • ✓Age Pension asset & income test with deeming
  • ✓PSS, CSS, MSBS, DFRDB defined benefit support
  • ✓Eight stress tests + historical periods to 1928
  • ✓Couple tracking with survivor income modelling
Step 03● Live

Retirement Income
Drawdown Manager

Optimise your spending year by year throughout retirement.

Enter your actual balances each year and get a recommended spending level that satisfies your goals — estate targets, aged care provisions, or simply not running out. Monte Carlo simulation with Age Pension optimisation hints.

  • ✓Goal-based spending solver (multiple simultaneous goals)
  • ✓Monte Carlo fan chart with P10–P90 balance range
  • ✓Guyton-Klinger guardrails with corridor alerts
  • ✓Age Pension optimisation hints (gifting, assets test)
  • ✓Year-by-year check-in history with actuals tracking
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Seamless handoff between Step 01 and Step 02

Finish projecting your super balance, then click Plan my retirement with these numbers — your projected balance, return assumptions, mortgage debt (if any), and couple details transfer automatically. No re-entry required.

What's under the hood

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Monte Carlo simulation
Up to 2,000 simulations across randomised return sequences — see the full distribution, not just one optimistic line.
🏛️
Defined benefit pensions
Full modelling of PSS, CSS, MSBS, DFRDB alongside your super, including reversionary rates and pension commencement.
🇦🇺
Australian Age Pension
Asset test, income test with deeming, and Work Bonus — updated to 2026 rates. Means testing fully integrated.
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Couple scenarios
Track both partners independently with individual super, pensions, and retirement ages. Model survivor income.
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Integrated calculators
One-click handoff from Projection to Readiness — your projected super balance, return rates, and assumptions carry over automatically.
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Private by design
All calculations run locally in your browser. No account, no data ever sent to a server.

Retirement planning built for the Australian system

Most retirement calculators assume a simple super drawdown. RetireConfident models the full complexity of Australian retirement: defined benefit pensions from PSS, CSS, MSBS, and DFRDB; the Age Pension asset test and income test with accurate deeming rates; sequencing risk through a dedicated buffer account; aged care costs with probabilistic entry modelling; and dynamic withdrawal strategies including Guyton-Klinger guardrails.

The Projection Calculator models your accumulation phase with full contribution rules — employer SG, salary sacrifice, carry-forward, bring-forward, Div 293, and Div 296. Results feed directly into the Retirement Readiness Calculator, which runs up to 2,000 Monte Carlo simulations across randomised return sequences. Historical back-testing uses verified Australian and US return data back to 1928. All calculations run locally in your browser; no data is ever sent to a server.

Learn how it works →Model assumptions →Quick start guide →
RetireConfident is a modelling tool, not financial advice. Always consult a licensed financial adviser before making retirement decisions. See our assumptions →